December 2010 Archives

PIP insurance covereage is important in Kentucky Motorcycle Accidents.

Kentucky law requires automobile owners to carry PIP coverage on their vehicles. PIP coverage is also referred to as No Fault Insurance. PIP/ No Fault Insurance covers the first $10,000.00 of insurance for medical bills and lost wages of people involved in accidents, regardless of whose fault the accident is. This insurance benefit coverage will enable the injured person to seek medical treatment and have it paid for from the PIP coverage. This is important in helping injured people to obtain medical care for their injuries related to the accident the accident, including coverage for lost wages while the person is injured.

Kentucky law does not require motorcycle owners to carry PIP/ No Fault Insurance. However, it is available, and the prices are affordable. The reality is that a person on a motorcycle, driver or passenger, is more likely to be seriously injured in an accident. Because serious injuries are likely in motorcycle accidents, PIP/ No Fault Insurance can be very important in securing medical treatment, paying for medical treatment, and covering lost wages (while off work from the injuries/accident). While motorcycle and auto owners shop for lower prices for their insurance coverage, it is important to remember that PIP/ No Fault Insurance will be included in the car and truck insurance, but not necessarily in the motorcycle insurance. Make sure that if you are motorcycle insurance shopping that you ask about the PIP/ No Fault Insurance coverage and its costs. The costs are low, especially in light of the benefits afforded. Not having PIP/ No Fault Insurance on your motorcycle should be considered as being penny wise and pound foolish.

Passengers in vehicles that are involved in Kentucky auto accidents have multiple potential avenues to recovery for their injuries, medical bills, lost wages, and pain & suffering. The question of who to seek recovery from boils down to two questions: (1) who is at fault, and (2) who has insurance.

If you are injured in an automobile accident in Kentucky, the first $10,000.00 of insurance available for medical bills and lost wages is covered by Kentucky No Fault Insurance, which all drivers are required to carry. That means if you are a passenger in a vehicle that is involved in an accident, regardless of whose fault it is, you are covered for the first $10,000.00 of insurance available for medical bills and lost wages through the insurance company of the car you are a passenger in. If the driver of the car you were in does not have insurance, then you would rely upon you own insurance coverage for the first $10,000.00 of insurance available for medical bills and lost wages. If you also do not have auto insurance coverage, then you would rely upon the insurance coverage of someone who has auto insurance and who resides in your household for the first $10,000.00 of insurance available for medical bills and lost wages. If you, the driver of the vehicle you were in, or the people residing in your household, do not have auto insurance, then you can qualify for the Kentucky Assigned Claims Plan, which would assign an insurance company to cover the first $10,000.00 of insurance available for medical bills and lost wages. This coverage is commonly referred to as PIP Coverage (Personal Injury Protection Coverage/No Fault Coverage).